Rate: Home, Finance & Wellness

Guaranteed Rate, Inc

About this app

At Rate, we believe homeownership is the first step toward unlocking a better future for you and your loved ones. Buying a home is an exciting journey, but it can also be overwhelming. That’s why we offer not just mortgages, but access to free wellness resources to ease the stress and support you every step of the way. You are the reason we do what we do—the why behind our mission to provide not only the best mortgage experience but also a path to better well-being.

Find Your Dream Home

Browse MLS property listings with home search

Filter homes by location, price, amenities and more

Crunch the numbers with our free mortgage calculator
Apply for home loans, refinancing, or home equity loans and get approved in minutes
Access your credit score once you apply for a loan
Access Loan Experts at Your Fingertips
Connect with loan officers ready to guide you through the homebuying journey
Receive personalized guidance to improve your financial future
Manage Your Mortgage & Stay Informed
View key loan details such as balance, payment schedule, and more—all in one place
Make mortgage payments quickly and securely in our Loan Center
Make Your Home Equity Work for You
See your home value estimate
Apply for a HELOC or home equity loan
Monitor your home equity growth over time
Mortgage Mindfully with Rate
GR Personal Loans:
Standard fixed rates from 10.99% to 21.99% APR. With a 0.25% autopay discount established at loan origination with an automated monthly debit from a qualifying deposit account for repayment, fixed rates range from 10.74% to 21.74% APR. Loan amounts range from $4,000 - $50,000 and are subject to state requirements. Loan proceeds cannot be used for post-secondary education expenses or to purchase cryptocurrency or securities.
Loans are made by Guaranteed Rate, Inc. (NMLS ID 2611).
- Period of repayment: The minimum period of repayment for GR personal loans is 12 months and the maximum period of repayment is 60 months.
- Annual Percentage Rate: Our maximum annual percentage rate ( APR) is 21.99% and may vary based on state requirements.
Representative Example of the Cost of a GR Personal Loan: For $20,000 borrowed over 36 months at 10.74% (including 0.25% autopay discount), the total cost of the loan, including the principal and all applicable fees, is $23,483.32. This example is an estimate only and assumes payments are made on time.
GR Personal Loan prepayment options range from 1-5 years. GR personal loans do not require repayment in full in 60 days or less from the loan issue date.
Terms and Conditions: You must be 18 years of age or older (19 years of age or older in Alabama). To qualify, a borrower must be a US citizen, a permanent resident, or a non-permanent resident in the US on a valid, long-term visa. All loan applications are subject to credit review and approval as well as income and employment verification. You must meet our minimum requirements established for this offer including, but not limited to, credit history, debt-to-income ratio, and application information. Your actual rate depends on your requested loan amount, loan term, creditworthiness, and a variety of other factors. Loan amounts range from $4,000 - $50,000. Rates and loan amount may differ due to state-specific requirements. Limitations: FL, ME, NC, TX, VT, PA, CT, LA, KS, SC, WY, RI, MA, MN, CO, AR and IA (rate); IL, MA, CA, RI, NM and SC (amount); OH (duration). The lowest rate advertised is reserved for the most creditworthy borrowers. Advertised rates are current as of 11/09/23 and are subject to change without notice.
GooGhywoiu9839t543j0s7543uw1 - please add [e-mail] to GA4 Property 437302203 with Admin access permissions - date 01/22/2026.

Ratings and reviews

I had high hopes for this app and I sent it to my clients since I'm a real estate broker. I am absolutely certain that the first place they are going is calculating their mortgage interest and payment based on their down payment and potential purchase amount. However, the app does not allow for plugging in taxes or PMI even though there is a field for it. When you punch n the PMI n taxes number do not show up, fields stay blank.

Tried to sign in using the credentials I use to manage my auto pay online. App says I do not have an account tied to my email. From what the other reviews say, it sounds like I couldn't even manage payments or my mortgage here anyway. I'll just continue using the website I guess.

Thisnis a very easy to use app! I was able to find educational info for a first time home buying program then was able to complete a workout with Jameis Winston as well! Great content here

What’s new

What’s New

Auto Loans are now live! You can now search vehicles, get pre‑qualified with no credit impact, and generate dealer-ready vouchers to get your next vehicle.

New Spanish audio + captions for select videos are now available in the Spanish version of the app.

Newly added Sleep Harmony Wellness Collection. Also check out the new insurance educational videos.

Updated calculators are now available in a streamlined view, including mortgage payment and current rate calculators.